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American multinational financial services company headquartered in Charlotte, North Carolina. Its acquisition of investment bank Merrill Lynch in 2008 solidified it as a “Bulge Bracket bank”, becoming a major player in the investment banking market. Bank of America provides its products and services through 4,600 retail financial centers, approximately 15,900 automated teller machines, call centers, and online and mobile banking platforms. The history of Bank of America dates back to October 17, 1904, when Amadeo Pietro Giannini founded the Bank of Italy in San Francisco.

In 1922, Giannini established Bank of America and Italy. Banca d’America e d’Italia, a bank established in Naples in 1917 following the name-change of Banca dell’Italia Meridionale with the latter established in 1918. In 1918 another corporation, Bancitaly Corporation, was organized by A. In 1928, Giannini merged his bank with Bank of America, Los Angeles, headed by Orra E. Monnette and consolidated it with other bank holdings to create what would become the largest banking institution in the country. Branch banking was introduced by Giannini shortly after 1909 legislation in California that allowed for branch banking in the state.

Its first branch outside San Francisco was established in 1909 in San Jose. New technologies also allowed credit cards to be linked directly to individual bank accounts. The company fired its CEO, Sam Armacost. Though Armacost blamed the problems on his predecessor, A. Clausen, Clausen was appointed to replace Armacost. The Bank of America Tower in New York City.